Yiren Digital (19YA) Stock Price & Analysis
19YA Stock Chart & Stats
- Day’s Range
- EUR 0.40 - EUR 0.40
- 52-Week Range
- EUR 0.40 - EUR 4.68
- Previous Close
- EUR 0.42
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 32.46M
- Enterprise Value
- -EUR 182.95M
- Total Cash (Recent Filing)
- EUR 1.70B
- Total Debt (Recent Filing)
- EUR 33.25M
- Price to Earnings (P/E)
- ―
- Beta
- 1.61
- Next Earnings
- Nov 25, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Asset-light AI Transformation
The move away from risk-taking lending toward an asset-light, technology-led model could reduce balance-sheet intensity and improve scalability. Greater use of AI in acquisition, servicing, recovery and compliance may also support efficiency and diversify revenue over the next several quarters.
Improving Credit Quality
A higher repeat-borrower mix and lower later-stage delinquency indicate stronger customer retention and improving portfolio performance. These trends can support more predictable servicing economics, reduce credit-related pressure, and strengthen the credibility of the company’s asset-light transition.
Insurance Platform Expansion
Rapid growth in insurance clients and policy issuance broadens Yiren Digital beyond credit facilitation and creates a larger distribution base for recurring services. Expansion in brokerage, technology and consulting offerings could make revenue more diversified over time.
Bears Say
Revenue And Profitability Deterioration
The steep revenue contraction and swing to a substantial loss show that the current business transition is not yet offsetting weakness in credit solutions. Persistently lower scale could constrain investment, reduce operating leverage, and make a durable recovery in earnings more difficult.
Negative Cash Generation
Heavy operating cash use, together with a declining cash balance, weakens the company’s ability to fund transformation internally. If collections, indemnity payments and service commitments remain demanding, continued cash burn could limit flexibility and increase funding pressure.
Leadership And Governance Uncertainty
A criminal investigation affecting the CEO creates an ongoing governance and continuity risk even though the company says operations remain normal. Potential reputational damage, management disruption and uncertainty around the investigation could hinder execution of the strategic transition.
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Yiren Digital Stock Smart Score
Company Description
Yiren Digital
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Na Mei
- Employees
- 981
- Website
- www.yiren.com
- Address
- China Merchants Bureau Building, Beijing, BE, 100022, CN
Yiren Digital (19YA) Earnings & Revenues
19YA Company Deck
19YA Earnings Call
Earnings Call SentimentPositive
The call conveyed a cautiously positive outlook centered on improved credit quality, strong insurance customer and policy growth, measurable AI operating gains, initial technology revenue traction, and a planned transition toward a more diversified and asset-light business model. However, these developments were accompanied by substantial year-over-year revenue declines, lower lending volumes, a large receivables allowance, a net loss, increased operating cash use, and a lower cash balance. The highlights outweighed the lowlights because management reported improving credit performance, approximately breakeven adjusted operating income, expanding AI commercialization, and continued progress on its transformation.
View all DE:19YA earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 1 | 15 |
| Technical Analysis | 6 | 1 | 3 |
| Moving Averages | 0 | 0 | 12 |
